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<SEC-DOCUMENT>0000765207-09-000002.txt : 20090121
<SEC-HEADER>0000765207-09-000002.hdr.sgml : 20090121
<ACCEPTANCE-DATETIME>20090121162219
ACCESSION NUMBER:		0000765207-09-000002
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20081231
ITEM INFORMATION:		Results of Operations and Financial Condition
FILED AS OF DATE:		20090121
DATE AS OF CHANGE:		20090121

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST NATIONAL LINCOLN CORP /ME/
		CENTRAL INDEX KEY:			0000765207
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				010404322
		STATE OF INCORPORATION:			ME
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-26589
		FILM NUMBER:		09536874

	BUSINESS ADDRESS:	
		STREET 1:		P.O. BOX 940
		STREET 2:		MAIN STREET
		CITY:			DAMARISCOTTA
		STATE:			ME
		ZIP:			04543
		BUSINESS PHONE:		2075633195

	MAIL ADDRESS:	
		STREET 1:		P.O. BOX 940
		CITY:			DAMARISCOTTA
		STATE:			ME
		ZIP:			04543
</SEC-HEADER>
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<TYPE>8-K
<SEQUENCE>1
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;border-top:solid 0.5pt;padding-top:1;'>&nbsp;</p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>UNITED STATES</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>SECURITIES AND EXCHANGE COMMISSION</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>WASHINGTON, D.C. 20549</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=2>FORM 8-K</font></B></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>CURRENT REPORT</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Pursuant to Section 13 or 15(d) of the</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Securities Exchange Act of 1934</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Date of report (Date of earliest event reported): January 21, 2009</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=4>FIRST NATIONAL LINCOLN CORPORATION</font></B></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(Exact name of Registrant as specified in charter)</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>MAINE</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(State or other jurisdiction of incorporation)</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>0-26589 01-0404322</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(Commission file number) (IRS employer identification no.)</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Main Street, Damariscotta, Maine 04853</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(Address of principal executive offices) (Zip Code)</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(207) 563-3195</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(Registrant's telephone number, including area code)</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.33in;text-align:center;'><font size=2>Check the appropriate box below if the Form 8-K filing is</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.33in;text-align:center;'><font size=2>intended to simultaneously satisfy the filing obligations</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.33in;text-align:center;'><font size=2>of the registrant under any of the following provisions:</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>[_] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>[_] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>[_] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>[_] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4 (c))</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;border-bottom:solid 0.5pt;padding-bottom:1;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

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<font SIZE=2>TABLE OF CONTENTS</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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        <td width="365" nowrap valign=top >
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Item 2.02 Results of Operations and Financial Condition</font></p> </td>

        <td width="55" nowrap valign=top >
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Page 1</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Item 9.01 Financial Statements and Exhibits</font></p> </td>

        <td width="55" nowrap valign=top >
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Page 1</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Signatures</font></p> </td>

        <td width="55" nowrap valign=top >
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Page 2</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Exhibit Index</font></p> </td>

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<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Page 3</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'>
<font size=2>Section 2 - Financial Information</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Item 2.02 Results of Operations and Financial Condition.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>On January 21, 2009, the Registrant issued the press release filed herewith as Exhibit 99.1 with information regarding the results of operations and financial condition of First National Lincoln Corporation for the quarter ended December 31, 2008.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Section 9 - Financial Statements and Exhibits</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Item 9.01 Financial Statements, Pro Forma Financial Information and Exhibits.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>(c) Exhibits.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>--------</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>The following Exhibits are being furnished herewith:</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>99.1 Registrant's Press Release dated January 21, 2009.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

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<font SIZE=2>SIGNATURE</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font SIZE=2>FIRST NATIONAL LINCOLN CORPORATION</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;border-bottom:solid 0.5pt;padding-bottom:1;'><font size=2>By: /s/ F. STEPHEN WARD</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>F. Stephen Ward</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Executive Vice President &amp; </font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Chief Financial Officer</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Dated: January 21, 2009</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;border-bottom:solid 0.5pt;padding-bottom:1;'>
<font size=2>Exhibit Index</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Exhibit Number</font></p> </td>

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<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Description of Exhibit</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>99.1</font></p> </td>

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<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Registrant's Press Release dated January 21, 2009.</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;'><b><font size=2>Exhibit 99.1</font></b></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;'>&nbsp;</p>

<p style=' margin-bottom:0pt; margin-top:5pt;text-align:left;'><b>The First Bancorp Reports Record Results for 2008, </b></p>

<p style=' margin-bottom:5pt; margin-top:0pt;text-align:left;'><b>Up 7.5% Over 2007</b></p>

<p style=' margin-bottom:0pt; margin-top:5pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>DAMARISCOTTA, ME, January 21 &#150; The First Bancorp (Nasdaq: FNLC), today announced unaudited results for the year ended December 31, 2008, with earnings per share on a fully diluted basis of $1.44, up $0.10 or 7.5% from the $1.34 reported for the year ended December 31, 2007. Net income for the year was $14.0 million, an increase of $0.9 million or 7.1% from the $13.1 million posted for 2007. </font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>The Company also announced unaudited results for the quarter ended December 31, 2008, with earnings per share on a fully diluted basis of $0.31, down $0.05 or 13.9% from the $0.36 reported for the fourth quarter of 2007. Net income for the quarter ended December 31, 2008, was $3.0 million, a decrease of $480,000 or 13.8% from the fourth quarter of 2007.</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;Our earning assets grew nearly $100 million in 2008,&#148; noted Daniel R. Daigneault, the Company&#146;s President &amp; Chief Executive Officer, &#147;which we feel is especially good given current economic conditions. The Company&#146;s loan portfolio increased $59.1 million during the year, with the majority of this in commercial loans, which are typically our highest earning assets. We also saw modest growth in mortgages, consumer loans and municipal loans. The Company&#146;s investment portfolio also posted good growth in 2008, up $40.7 million or 18.4%, with the increase coming in municipal and U.S. Government Agency securities.</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;Our 2008 growth was funded entirely with deposits, which were up $144.5 million or 18.5%,&#148; President Daigneault continued. &#147;We are especially pleased with our growth in core deposits, with low-cost deposits increasing $9.5 million or 3.8%. The remaining growth was in certificates of deposit &#150; primarily from wholesale or national market sources &#150; which were up $129.7 million or 31.8%. As a result, we saw borrowed funds decline $44.6 million or 14.1%. </font></p>

<p style=' margin-bottom:5pt; margin-top:5pt; text-indent:0.06in;text-align:left;line-height: 150%;'><font size=2> &#147;I am very pleased with our operating results for 2008, especially the record earnings of $14.0 million that were posted despite the weakening economy and recession,&#148; President Daigneault said. &#147;Lower interest rates and good asset growth resulted in our net interest margin increasing to 3.33% in 2008 from 3.13% in 2007. This, in turn, led to a $5.9 million or 18.4% increase in net interest income to $37.7 million in 2008 compared to $31.8 million in 2007.</font></p>

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<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;For the quarter, net interest income was up $1.8 million or 21.4% compared to the fourth quarter of 2007,&#148; President Daigneault went on. &#147;The combination of a $1.8 million increase in the provision to the allowance for loan losses, a decline in non-interest income due to an accounting adjustment related to mortgage-servicing rights and a modest increase in operating expenses, led to the modest decline in net income for the quarter, despite our strong net interest income. </font></p>

<p style=' margin-bottom:5pt; margin-top:5pt; text-indent:0.06in;text-align:left;line-height: 150%;'><font size=2> &#147;While the weakness in the national economy has not hit coastal Maine as hard as many other parts of the country, we nevertheless have seen a deterioration in asset quality,&#148; President Daigneault said. &#147;Net chargeoffs were $2.7 million in 2008 &#150; with $1.1 million coming from one borrowing relationship &#150; compared to net chargeoffs of $1.0 million in 2007. As a result, our provision for loan losses was increased by $3.3 million in 2008 compared to 2007. Even with the higher level of chargeoffs, however, we were able to increase our allowance for loan losses by $2.0 million during 2008. </font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;Our level of non-performing loans stood at 1.27% of total loans on December 31, 2008 compared to 0.31% on December 31, 2007,&#148; President Daigneault stated. &#147;To provide perspective, our peer group&#146;s non-performing loans stood at 1.80% as of September 30, 2008, the latest peer data available. Other real estate owned increased $1.6 million to $2.4 million or 0.18% of total assets during 2008, which is comparable to the 0.20% reported for our peer group as of September 30, 2008. The level of delinquent loans increased modestly in 2008 and remained level during the fourth quarter of 2008.</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;Although we are always concerned when we see a deterioration in asset quality, our balance sheet is sound and I feel that The First&#146;s conservative approach to loan underwriting will enable us to weather the current economic storm better than most banks,&#148; President Daigneault added. &#147;We have not traded quality for higher levels of asset growth, and most importantly, we have not originated sub-prime mortgages.&#148;</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt; text-indent:0.06in;text-align:left;line-height: 150%;'><font size=2> &#147;In the Company&#146;s investment portfolio of $262.5 million, only $2.4 million or less than 1% is rated sub-investment grade,&#148; observed F. Stephen Ward, The First Bancorp&#146;s Chief Financial Officer. &#147;These corporate debt securities had an unrealized loss of $1.1 million as of December 31, 2008, and this was reflected as an adjustment to equity on the balance sheets as of that date. During the fourth quarter we significantly reduced the amount of corporate debt securities in the portfolio and for the year booked a net pre-tax loss of $89,000 on sale of securities. </font></p>

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<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;In challenging economic times, capital levels become increasingly important for every bank,&#148; CFO Ward stated. &#147;We continue to be considered well-capitalized by FDIC standards, and on January 9, 2009 we added an additional $25 million to capital with a preferred stock investment from the U.S. Treasury under its Capital Purchase Program. Participating in the program will provide the Company with greater ability to ride out the current economic storm, especially if conditions worsen, and will give us greater ability to work with individuals and businesses as they also struggle through these adverse economic conditions.</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;Our operating ratios were very strong in 2008,&#148; CFO Ward noted, &#147;with a return on average tangible equity of 15.75% for the year. Based upon September 30, 2008 data, the Bank&#146;s return on average equity was in the top 12% of all banks in its peer group, which had an average return of only 6.86%. Our efficiency ratio continues to be an important component in our overall performance and improved from 50.16% in 2007 to 46.23% in 2008. This was the result of the significant increase in net interest income while operating expense increased only modestly. As of September 30, 2008, the average efficiency ratio for our peer group was 61.73%.&#148;</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;One highlight of 2008 for The First Bancorp was our stock price performance,&#148; President Daigneault observed. &#147;Our price per share increased from $14.64 on December 31, 2007 to $19.89 per share on December 31, 2008, which produced a total return with dividends reinvested of 43.7% for the year. This compares extremely well to our industry, as measured by the KBW Regional Bank Index, which had a total return of -18.5%. It also compares well to the broad market, as measured by the S&amp;P 500, which had a total return of -36.9% and the Russell 2000, which our stock is included in, which had a total return of -33.7% in 2008.</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;In 2008, we increased our dividend by 10.9% from $0.690 per share to $0.765 per share,&#148; President Daigneault observed. &#147;We continued our pattern of a strong dividend payment at 52.8% of earnings, and based on our year-end closing price of $19.89 and the current annual dividend payment of $0.78 per share, our dividend yield is 3.92%. In our opinion, this is very attractive, especially in the current low rate environment.</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;I am very pleased with our results for 2008, which demonstrate that we continue to do better than most banks,&#148; President Daigneault concluded. &#147;Low interest rates were good for The First Bancorp and when combined with our growth in earning assets, these led to higher net interest income in 2008. Although there has been a deterioration in asset quality, we feel that our conservative approach to banking is serving us well in these challenging economic times and that our balance </font></p>

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<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>sheet remains sound. Our price per share was up nicely this year and compares extremely well to our industry and broader market indices. And finally, we remain well-capitalized, which is an important concern for all banks today.&#148;</font></p>

<p style=' margin-bottom:7pt; margin-top:7pt;text-align:left;line-height: 150%;'><font size=2>The First Bancorp, headquartered in Damariscotta, Maine, is the holding company for The First, N.A. Founded in 1864, The First is an independent community bank serving Mid-Coast and Down East Maine with 14 offices in Lincoln, Knox, Hancock and Washington Counties. The Bank provides a full range of consumer and commercial banking products and services. First Advisors, a division of The First, provides investment advisory, private banking and trust services from two offices in Lincoln and Hancock Counties.</font></p>

<p style=' margin-bottom:7pt; margin-top:7pt;text-align:left;line-height: 150%;'><font size=2>Forward-looking and cautionary statements: except for the historical information and discussions contained herein, statements contained in this release may constitute &#147;forward-looking statements&#148; within the meaning of the Private Securities Litigation Reform Act of 1995. These statements involve a number of risks, uncertainties and other factors that could cause actual results and events to differ materially, as discussed in the Company&#146;s filings with the Securities and Exchange Commission. </font></p>

<p style=' margin-bottom:7pt; margin-top:7pt;text-align:left;line-height: 150%;'><font size=2>For more information, please contact F. Stephen Ward, The First Bancorp&#146;s Treasurer &amp; Chief Financial Officer, at 207.563.3195 ext. 5001.</font></p>

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<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=3>The First Bancorp</font></b></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
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<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><u><i><b><font size=2>Consolidated Balance Sheets (Unaudited)</font></b></i></u><i><u></u></i></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
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style='height:7.5pt'>

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<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>

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<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>December 31,</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='border-top: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>December 31,</font></p> </td>

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<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

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<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><i><font size=2>In thousands of dollars</font></i><i></i></p> </td>

        <td width="92" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2008</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>2007</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

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<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Assets</font></b></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'></td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'></td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Cash and due from banks</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$16,856</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$17,254</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Overnight funds sold</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>-</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>-</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Securities available for sale</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>27,765</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>40,461</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:26.4pt'>

        <td width="456" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:26.4pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Securities to be held to maturity (fair value $229,459 at December 31, 2008 and $181,132 at December 31, 2007)</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:26.4pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>234,767</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:26.4pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>181,354</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.75pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Loans held for sale (fair value approximates cost)</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,298</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,817</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Loans</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>979,273</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>920,164</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Less: allowance for loan losses</font></p> </td>

        <td width="92" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>8,800</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6,800</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net loans</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>970,473</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>913,364</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Accrued interest receivable</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>5,783</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6,585</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Premises and equipment</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>16,028</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>16,481</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Other real estate owned</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,428</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>827</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Goodwill</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>27,684</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>27,684</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Other assets</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>22,789</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>17,423</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:12.9pt'>
<p style='margin-left:0pt;text-indent:19.5pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Total Assets</font></b></p> </td>

        <td width="92" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$1,325,871</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$1,223,250</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Liabilities</font></b></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'></td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'></td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Demand deposits</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$67,364</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$60,637</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>NOW deposits</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>108,188</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>101,680</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Money market deposits</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>129,333</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>124,033</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Savings deposits</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>82,866</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>86,611</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Certificates of deposit</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>347,458</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>301,364</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Certificates $100,000 and over</font></p> </td>

        <td width="92" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>190,527</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>106,955</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total deposits</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>925,736</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>781,280</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Borrowed funds</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>272,074</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>316,719</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Other liabilities</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>10,880</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>12,583</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:12.9pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total Liabilities</font></p> </td>

        <td width="92" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,208,690</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,110,582</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Shareholders' Equity</font></b></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'></td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'></td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Common stock</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>97</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>97</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Additional paid-in capital</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>44,117</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>44,762</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Retained earnings</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>74,057</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>67,647</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net unrealized gains on securities available-for-sale</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>(819)</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>436</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.75pt'>

        <td width="456" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net unrealized loss on postretirement benefit costs</font></p> </td>

        <td width="92" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>(271)</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>(274)</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:9.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total Shareholders' Equity</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>117,181</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>112,668</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:12.9pt'>

        <td width="456" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:12.9pt'>
<p style='margin-left:0pt;text-indent:16.5pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Total Liabilities &amp; Shareholders' Equity</font></b></p> </td>

        <td width="92" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$1,325,871</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:12.9pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$1,223,250</font></p> </td>

        <td  width="16">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr></table>
</div>

<p style=' margin-bottom:0pt; margin-top:7pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<div TITLE="EE+ Page Break" STYLE="PAGE-BREAK-AFTER: always">

<HR noshade align="center" width="100%" size="2">
</DIV>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'>
</p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="653" style='margin-left:5.4pt;border-collapse:collapse; '>
    <tr style='height:18.75pt'>

        <td  colspan="5" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:18.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=3>The First Bancorp</font></b></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td  colspan="5" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><u><i><b><font size=2>Consolidated Statements of Income (Unaudited)</font></b></i></u><i><u></u></i></p> </td> </tr>
    <tr style='height:.2in'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:.2in'></td>

        <td width="96" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:.2in'></td>

        <td width="96" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:.2in'></td>

        <td width="79"
valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:.2in'></td>

        <td width="79" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:.2in'></td> </tr>
    <tr style='height:15.6pt'>

        <td width="303" valign=bottom style='border-top:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:15.6pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>

        <td  nowrap colspan="2" valign=bottom style='border-top:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt; height:15.6pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>For the twelve months ended</font></b></p> </td>

        <td  nowrap colspan="2" valign=bottom style='border-top:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt; height:15.6pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>For the quarters ended</font></b></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><u><b><font size=2>December 31,</font></b></u><u></u></p> </td>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><u><b><font size=2>December 31,</font></b></u><u></u></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="303" valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><i><font size=2>In thousands of dollars</font></i><i></i></p> </td>

        <td width="96" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2008</font></b></p> </td>

        <td width="96" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>2007</font></p> </td>

        <td width="79" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2008</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>2007</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Interest income</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Interest and fees on loans</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$58,078</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$60,585</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$13,859</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$15,626</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Interest on deposits with other banks</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>-</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>-</font></p> </td> </tr>
    <tr style='height:16.5pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:16.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Interest and dividends on investments</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:16.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>13,290</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:16.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>11,136</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:16.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3,774</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:16.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,107</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total interest income</font></p> </td>

        <td width="96" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>71,371</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>71,721</font></p> </td>

        <td width="79" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>17,636</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>18,733</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Interest expense</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Interest on deposits</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>23,000</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>29,745</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>4,959</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7,084</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Interest on borrowed funds</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>10,669</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>10,140</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,357</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,146</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total interest expense</font></p> </td>

        <td width="96" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>33,669</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>39,885</font></p> </td>

        <td width="79" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>7,316</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>10,230</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net interest income</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>37,702</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>31,836</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>10,320</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>8,503</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Provision for loan losses</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>4,700</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,432</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,386</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>582</font></p> </td> </tr>
    <tr style='height:15.75pt'>

        <td width="303" valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net interest income after provision for loan losses</font></p> </td>

        <td width="96" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>33,002</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>30,404</font></p> </td>

        <td width="79" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>7,934</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7,921</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Non-interest income</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td> </tr>
    <tr style='height:13.5pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Investment management and fiduciary income</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,475</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,737</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>337</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>393</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Service charges on deposit accounts</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,837</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,740</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>646</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>681</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net securities gains</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>123</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>145</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Mortgage origination and servicing income</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>145</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>589</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>(225)</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>211</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Other operating income</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>5,189</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5,077</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,316</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,257</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total non-interest income</font></p> </td>

        <td width="96" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>9,769</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>10,145</font></p> </td>

        <td width="79" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,219</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,544</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Non-interest expense</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Salaries and employee benefits</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>11,333</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>11,037</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,708</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,884</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Occupancy expense</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,518</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,438</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>368</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>349</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Furniture and equipment expense</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,005</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,944</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>497</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>488</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net securities losses</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>212</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>-</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>188</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>-</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Amortization of identified intangibles</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>283</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>283</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>70</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>71</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Other operating expense</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>7,849</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7,481</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,211</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,791</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total non-interest expense</font></p> </td>

        <td width="96" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>23,200</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>22,183</font></p> </td>

        <td width="79" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>6,042</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5,583</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Income before income taxes</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>19,571</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>18,366</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>4,111</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,882</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="303" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Applicable income taxes</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>5,537</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5,265</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,103</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,394</font></p> </td> </tr>
    <tr style='height:.2in'>

        <td width="303" valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:.2in'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><B><font SIZE=2>NET INCOME</font></B></p> </td>

        <td width="96" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:.2in'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$14,034</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:.2in'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$13,101</font></p> </td>

        <td width="79" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:.2in'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$3,008</font></b></p> </td>

        <td width="79" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:.2in'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$3,488</font></p> </td> </tr></table>
</div>

<p style=' margin-bottom:0pt; margin-top:7pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<div TITLE="EE+ Page Break" STYLE="PAGE-BREAK-AFTER: always">

<HR noshade align="center" width="100%" size="2">
</DIV>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'>
</p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="653" style='margin-left:5.4pt;border-collapse:collapse; '>
    <tr style='height:17.4pt'>

        <td  nowrap colspan="5" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:17.4pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=3>The First Bancorp</font></b></p> </td> </tr>
    <tr style='height:.2in'>

        <td  nowrap colspan="5" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:.2in'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><u><i><b><font size=2>Selected Financial Data (Unaudited)</font></b></i></u><i><u></u></i></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td  nowrap colspan="5" valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td> </tr>
    <tr
style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>

        <td  nowrap colspan="2" valign=bottom style=' padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>For the years ended</font></b></p> </td>

        <td  nowrap colspan="2" valign=bottom style=' padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>For the quarters ended</font></b></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><i><font size=2>Dollars in thousands, </font></i><i></i></p> </td>

        <td  nowrap colspan="2" valign=bottom style=' padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><u><b><font size=2>December 31</font></b></u><u></u></p> </td>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><u><b><font size=2>December 31</font></b></u><u></u></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><i><font size=2>except for per share amounts</font></i><i></i></p> </td>

        <td width="89" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2008</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>2007</font></p> </td>

        <td width="89" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2008</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>2007</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td> </tr>
    <tr style='height:13.8pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><i><b><font size=2>Summary of Operations</font></b></i><i></i></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Interest Income</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$71,371</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$71,721</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$17,636</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$18,733</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Interest Expense</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>33,669</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>39,885</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>7,316</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>10,230</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net Interest Income</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>37,702</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>31,836</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>10,320</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>8,503</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Provision for Loan Losses</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>4,700</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,432</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,386</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>582</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Non-Interest Income</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>9,769</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>10,145</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,219</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,544</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Non-Interest Expense</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>23,200</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>22,183</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>6,042</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5,583</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="298" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net Income</font></p> </td>

        <td width="89" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>14,034</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>13,101</font></p> </td>

        <td width="89" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3,008</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,488</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><i><b><font size=2>Per Common Share Data</font></b></i><i></i></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Basic Earnings per Share</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$1.45</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$1.34</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$0.31</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.36</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Diluted Earnings per Share</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1.44</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1.34</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>0.31</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.36</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Cash Dividends Declared</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>0.765</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.690</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>0.195</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.180</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Book Value</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>12.09</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>11.58</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>12.09</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>11.58</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Tangible Book Value</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>9.23</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>8.73</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>9.23</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>8.73</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="298" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Market Value</font></p> </td>

        <td width="89" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$19.89</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>14.64</font></p> </td>

        <td width="89" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>19.89</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>14.64</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><i><b><font size=2>Financial Ratios</font></b></i><i></i></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Return on Average Equity (a)</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>12.02%</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>11.89%</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>10.10%</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>12.34%</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Return on Average Tangible Equity (a)</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>15.75%</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>15.89%</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>13.19%</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>16.39%</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Return on Average Assets (a)</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1.10%</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1.13%</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>0.91%</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1.15%</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Average Equity to Average Assets</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>9.14%</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>9.53%</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>9.00%</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>9.33%</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Average Tangible Equity to Average Assets</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>6.98%</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7.13%</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>6.89%</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7.03%</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net Interest Margin Tax-Equivalent (a)</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3.33%</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3.13%</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3.67%</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3.17%</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Dividend Payout Ratio</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>52.76%</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>51.49%</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>62.90%</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>50.00%</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Allowance for Loan Losses/Total Loans</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>0.90%</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.74%</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>0.90%</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.74%</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Non-Performing Loans to Total Loans</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1.27%</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.31%</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1.27%</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.31%</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Non-Performing Assets to Total Assets</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1.31%</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.56%</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1.31%</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.56%</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="298" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Efficiency Ratio</font></p> </td>

        <td width="89" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>46.23%</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>50.16%</font></p> </td>

        <td width="89" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>43.15%</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>47.91%</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><i><b><font size=2>At  Period End</font></b></i><i></i></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total Assets</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$1,325,871</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$1,223,250</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$1,325,871</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$1,223,250</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total Loans</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>979,273</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>920,164</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>979,273</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>920,164</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total Investment Securities</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>262,532</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>221.815</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>262,532</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>221.815</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="298" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total Deposits</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>925,736</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>781,280</font></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>925,736</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>781,280</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="298" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total Shareholders&#146; Equity</font></p> </td>

        <td width="89" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>117,181</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>112,668</font></p> </td>

        <td width="89" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>117,181</font></b></p> </td>

        <td width="89" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>112,668</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="5" valign=bottom style=' padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><i><font size=2>(a) Annualized using a 365-day basis</font></i><i></i></p> </td> </tr></table>
</div>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>



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